Bank Of Guiyang(SH:601997) Quan Jing Wang·2025-11-07 00:48Core Viewpoint - Guizhou Bank held its Q3 2025 earnings presentation, where management addressed investor questions, highlighting a commitment to stable dividends and ongoing efforts to improve financial performance despite a decline in revenue [1][2]. Financial Performance - The bank reported a revenue of 9.435 billion yuan for Q3 2025, a year-on-year decrease of 13.73%, primarily due to reduced net interest income and non-interest income [2][3]. - The net profit for Q3 2025 was 0.39 yuan per share, an increase from 0.36 yuan per share in the same period last year, indicating effective cost control [3][7]. - The bank's non-performing loan (NPL) ratio slightly decreased to 1.63% by the end of Q3, with a provision coverage ratio of 239.59% [5][6]. Dividend Policy - Since its listing in 2016, Guizhou Bank has maintained a stable dividend policy, with cumulative cash dividends exceeding 8.6 billion yuan, and plans to continue balancing capital accumulation with shareholder returns [2][4]. Credit Strategy - As of September 2025, the bank's corporate loan balance increased by 2.785 billion yuan, with a focus on key areas such as new industrialization and urbanization [4][5]. - The bank supports the "Four New" strategy in Guizhou, with loans in key sectors totaling 165.067 billion yuan, reflecting a commitment to local economic development [4][5]. Risk Management - The bank has implemented measures to enhance risk management, including improving risk identification and monitoring, which has contributed to the stability of its NPL ratio [5][6]. - The bank's strategy includes optimizing credit structure and increasing efforts in bad debt disposal to maintain asset quality [6][7]. Strategic Planning - Guizhou Bank is in the process of formulating its next five-year strategic plan, focusing on high-quality development and service to the real economy [6][7].